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200102716 <br />EXCLUSION FROM ARBITRATION. This agreement shall not limit the right of Lender to (a) <br />accelerate or require immediate payment in full of the secured indebtedness or exercise the other Remedies <br />described in this Security Instrument before, during, or after any arbitration, including the right to foreclose <br />against or sell the Property; (b) exercise the rights set forth in the Uniform Covenant labeled "Protection of <br />Lenders' Rights in the Property" contained in this Security Instrument, or (c) exercise of the right under the <br />terms of this Security Instrument to require payment in full of the indebtedness upon a transfer of the <br />Property or a beneficial interest therein. Should Borrower appear in and contest any judicial proceeding <br />initiated by Lender under this Exclusion, or initiate any judicial proceeding to challenge any action <br />authorized by this Exclusion, without asserting any counterclaim or seeking affirmative relief against <br />Lender, then upon request of Borrower such judicial proceedings shall be stayed or dismissed, and the <br />matter shall proceed to arbitration in accordance with the section entitled "Arbitration of Disputes ". Any <br />dispute that could otherwise have been asserted as a counterclaim or grounds for relief in such a judicial <br />proceeding shall be resolved solely in accordance with the section entitled "Arbitration of Disputes ". <br />No provision of this agreement shall limit the right of Borrower to exercise Borrower's rights under <br />the Uniform Covenant labeled "Borrower's Right to Reinstate ". <br />NOTICE: BY SIGNING THIS ARBITRATION RIDER YOU ARE AGREEING TO HAVE <br />ANY DISPUTE ARISING OUT OF THE MATTERS DESCRIBED IN THE `ARBITRATION OF <br />DISPUTES' SECTION ABOVE DECIDED EXCLUSIVELY BY ARBITRATION, AND YOU ARE <br />GIVING UP ANY RIGHTS YOU MIGHT HAVE TO LITIGATE DISPUTES IN A COURT OR <br />JURY TRIAL. DISCOVERY IN ARBITRATION PROCEEDINGS MAY BE LIMITED BY THE <br />RULES OF PROCEDURE OF THE SELECTED ARBITRATION SERVICE PROVIDER. <br />THIS IS A VOLUNTARY ARBITRATION AGREEMENT. IF YOU DECLINE TO SIGN THIS <br />ARBITRATION AGREEMENT, LENDER WILL NOT REFUSE TO COMPLETE THE LOAN <br />TRANSACTION BECAUSE OF YOUILDECISION. <br />accepts and agrees to the provisions contained in this Rider. <br />Borrower <br />Gil <br />Borrower <br />Borrower <br />Borrower <br />Page 2 of 2 <br />Sax Form R301 (12/11/99) <br />(07- 11 -97) c- 23774 -41 <br />96440052.uff <br />